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All Journal JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING Jurnal Multidisiplin West Science
Rezty Arizta Putri
Politeknik PGRI Banten
Computer Science & IT Economics, Econometrics & Finance Engineering

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The Role of E-Wallet Adoption, Digital Security Perceptions, and Technology Reliability on Digital Payment System Usage Decisions in East Java Arief Rahman; Ahmad Rizani; Rezty Arizta Putri; Shofiatul Inayah; Deti Kurniati
Jurnal Multidisiplin West Science Vol 5 No 01 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i01.3153

Abstract

This study examines the influence of e-wallet implementation, digital security perceptions, and technology reliability on digital payment system usage decisions in East Java. Using a quantitative research approach, data were collected from 150 active digital payment users through a structured questionnaire measured on a five-point Likert scale. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) version 3 to evaluate both the measurement and structural models. The results indicate that e-wallet implementation has a positive and significant effect on digital payment usage decisions, highlighting the importance of usability, system integration, and functional design. Digital security perceptions emerge as the strongest determinant, emphasizing that users’ confidence in data protection and transaction safety plays a critical role in shaping adoption behavior. Technology reliability also shows a significant positive influence, demonstrating that system stability and transaction accuracy are essential for sustaining user trust and continued usage. Overall, the findings suggest that digital payment adoption in East Java is driven by a combination of effective system implementation, strong security perceptions, and reliable technological performance. This study contributes to the digital finance and fintech adoption literature by providing empirical evidence from a regional context and offers practical insights for e-wallet providers and policymakers to strengthen digital payment ecosystems.
Integrating Automatic Stock Monitoring and Digital Inventory Systems for MSMEs A Mobile Application Approach (Case Study in Serang City, Indonesia) Rezty Arizta Putri; Salsanabila Mariestiara Putri; Hayatul Mardiah; Rizaldy Khair
JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING Vol. 9 No. 2 (2026): Issues January 2026
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jite.v9i2.16111

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Indonesia continue to face inefficiencies in inventory management due to manual stock recording, data inconsistency, and delays in operational decision-making. In Serang City, these challenges often lead to stockouts, excess inventory, and limited business scalability. This study aims to develop and evaluate a mobile-based automated inventory management system that supports real-time stock monitoring and decision-making for MSMEs. The research employs a Research and Development (R&D) approach integrated with the Agile-Scrum methodology, encompassing problem identification, user requirement analysis, system design, prototype development, functional testing, and usability evaluation. Functional validation was conducted using black box testing, while system usability was assessed using the System Usability Scale (SUS) involving 15 MSME users. The results indicate that all core system functions achieved a 100% success rate, including automated stock recording, cloud-based data synchronization, real-time notifications, and dashboard analytics. The usability evaluation produced an average SUS score of 82.5, classified as Excellent, indicating high user acceptance and ease of use. These findings demonstrate that the proposed system effectively improves inventory accuracy, operational efficiency, and decision-making quality, contributing to MSME digital transformation in developing regions.
Co-Authors Ahmad Rizani Arief Rahman Deti Kurniati Hayatul Mardiah Rizaldy Khair Salsanabila Mariestiara Putri Shofiatul Inayah